EP0586852A2 - Porteur de données mobile et dispositif d'échange de données - Google Patents

Porteur de données mobile et dispositif d'échange de données Download PDF

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Publication number
EP0586852A2
EP0586852A2 EP93111887A EP93111887A EP0586852A2 EP 0586852 A2 EP0586852 A2 EP 0586852A2 EP 93111887 A EP93111887 A EP 93111887A EP 93111887 A EP93111887 A EP 93111887A EP 0586852 A2 EP0586852 A2 EP 0586852A2
Authority
EP
European Patent Office
Prior art keywords
memory area
unit
data carrier
memory
value
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
EP93111887A
Other languages
German (de)
English (en)
Other versions
EP0586852B1 (fr
EP0586852A3 (en
Inventor
Horst Buschmann
Karsten Niehusen
Burkhard Heuer
Thomas Niznik
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Crane Payment Innovations GmbH
Original Assignee
National Rejectors Inc GmbH
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by National Rejectors Inc GmbH filed Critical National Rejectors Inc GmbH
Publication of EP0586852A2 publication Critical patent/EP0586852A2/fr
Publication of EP0586852A3 publication Critical patent/EP0586852A3/de
Application granted granted Critical
Publication of EP0586852B1 publication Critical patent/EP0586852B1/fr
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/343—Cards including a counter
    • G06Q20/3433—Cards including a counter the counter having monetary units

Definitions

  • the invention relates to a mobile data carrier according to the preamble of patent claim 1.
  • Data carriers for cashless payment transactions are known in multiple embodiments. They are mostly designed as cards and contain a memory in which certain data are written. In the simple case, such data carriers contain a code which authorizes the cardholder to withdraw or withdraw money from an account. This is the case with check or credit cards.
  • the data carrier contains a predetermined number of value units in its memory, wherein each unit of value triggers a certain product or service when the data carrier is connected to a data exchange device. If a value unit is available, a release or trigger signal is generated so that the goods or the service can be requested. At the same time, one or more value units are deleted. If the memory is empty, the data medium loses its value. It is then thrown away, such as on the phone cards.
  • the memory can be reloaded without the payment of money or the corresponding amount being debited from the account of the owner of the data carrier.
  • the storage space of data carriers is naturally limited.
  • the frequency of reloading is also limited.
  • the invention has for its object to provide a data carrier, in particular a data card, which manages to acquire or subsidize goods, services or the like by means of machines with a relatively small storage capacity. Furthermore, no connection of data exchange devices or to a central data unit should be required for the use and management of the data of the data carrier.
  • the memory field has a first memory area with a plurality of memory locations containing at least one bit, each bit representing a unit of value and each memory location representing a predetermined interval. Furthermore, a second memory area containing a plurality of bits is provided, which represents a time period predetermined by the start and duration, the duration of the time period being a multiple of the predetermined interval.
  • Each individual memory location can consist of one or more bits.
  • the time interval can be before application be made addicted, for example an hour or a day.
  • Each bit corresponds to a defined unit of value, for example the purchase of a product or a service or the subsidization of these objects. If a memory location has several bits, the bits can represent different value units.
  • the content of the second memory area defines a time span, the duration of which is a multiple of the time interval. The time span can be, for example, one month and is determined by the start and duration. An additional memory area or the memory area itself can also be used to determine the year for which the period is valid.
  • the position of a storage location within the first storage area can correspond to the position of the time interval in the time span, for example a specific day in a specific month.
  • an embodiment of the invention provides that a third memory area serving as a counter is provided with a limited number of bits, which is assigned to a specific bit position within all memory locations. If the counter or the third memory area has four bits, for example, up to 15 calls of one value unit per interval, for example per day, are possible. Since the counter is only required once for all storage locations, the number of bits required for the total information can be reduced in this way.
  • the counter With the use of a bit of a certain bit position and thus simultaneously its deletion, the counter is set to a predetermined maximum value, which maximum value can be specified in the data exchange device. Any further use of the same service leads to a decrementing of the counter to zero, so that no further service can be called up in the respective time interval.
  • each memory location has a plurality of bits which are a multiple correspond to a unit of value.
  • the bits themselves can be used as counters.
  • This embodiment has the advantage that multiple use of a value unit can be determined afterwards and, if necessary, logged. With a decrementable counter there is no logging option.
  • a storage area in the storage field can store the defined maximum number.
  • Another embodiment of the invention provides that the order of the bits or the different value units of each memory location is predetermined and the same. This makes it possible to specify the order in which goods or services can be called up or consumed. For example, a unit of value representing an alcoholic beverage cannot be called up until the unit of value has been used for a meal.
  • a fourth memory area which has a delete or Stores update code for the first and second memory area. This creates access protection for the data carrier. On the one hand, it consists in the fact that the update of the first and second memory area is only possible after the successful presentation of a password. On the other hand, the first and second memory areas can only be deleted after a possibly different password has been successfully presented.
  • a fifth storage area can be provided for storing a credit, from which the countervalue for a service or goods can be debited with the aid of the data exchange device if a unit of value alone is not sufficient for payment or if no unit of value is available.
  • a sixth memory area that stores a blocking notice. This creates the possibility of exempting the holder of this card from certain services, such as subsidy sales. If a uniform number of subsidy sales is desired for all owners of the data carriers, the predefined maximum number of available value units can be limited by the data exchange device. This has the advantage that when there is a change the number of units of value to be retrieved, only the replacement devices have to be reprogrammed, while the data carriers remain unchanged.
  • a prerequisite for the use of services or goods with the aid of the data carrier according to the invention is that the data carrier is connected to a data exchange device, for example a booking device.
  • a data exchange device for example a booking device.
  • the data exchange device according to the invention requires at least one reading unit and one erasing unit. With the help of the reading unit, which is controlled as a function of time, the time interval in question can be queried within the appropriate time period, to determine whether one or more value units are available for calling up a product or service. Since the call options are limited, a deletion unit is also necessary, which deletes the relevant unit of value in the first memory area in accordance with the called-up power.
  • a trigger signal can be used to read out the first memory area or to release a service or a product cannot be generated. If the data carrier is to be allowed for the current period of time, it is therefore necessary to enter the relevant period of time in the second memory area.
  • the data exchange device therefore only accepts data carriers that are recognized as belonging to the system and knows the current date and time. It must also be set to specific values for the value units, the time intervals and the time period.
  • the replacement device makes it possible to change the memory content, for example the content of the second memory area, but also that of the first memory area.
  • the data exchange device can also use the data read to check whether the authorization to use services or goods is present. This includes that the time period stored on the data carrier includes the current time, ie that the time period has not been exceeded. As already mentioned, depending on the data exchange action carried out and possibly an action by the user, for example pressing a selection button, a signal for using services or goods can be generated.
  • the replacement device checks whether the current period of the data carrier has not been exceeded. If this is not the case, a check is carried out to determine whether a unit of value for the use of the selected service or goods is still available in the currently valid storage location. This can be recognized in a very simple manner in the case of a data carrier in which a value unit is defined by, for example, a 1 and its consumption by a 0. In the case of data carriers working with counters, it must be checked whether the counter reading is equal to or greater than 1. If a value unit in the first memory area is used up, the associated bit is changed, for example from 1 to 0 (delete). For data carriers with corresponding counters, the counter is decremented. With the help of the data exchange device, the countervalue for the service or goods can also be debited from a credit on the data carrier if a unit of value alone is no longer sufficient for payment or if no unit of value is available.
  • the data exchange device can also update the time period by changing the memory content in the second memory area. This includes recognizing that the time period has been exceeded. It must also be checked whether a Updating the time period is allowed. Additional data stored on the data carrier, such as the validity date or blocking notes, can be used for this purpose.
  • the replacement device can also reset the first memory area (update) and possibly the third memory area. It is possible to use special data exchange devices that are only operated by authorized persons. For data carriers, all bits in the first memory area are programmed, for example, to 1 and possibly existing counters to a certain maximum value.
  • the individual bits are set to 1, for example, and the bits combined to form the counters are programmed to a predetermined maximum value.
  • the predefined maximum values can either be stored on the data carrier or in the booking device.
  • the update also requires the current time period to be entered in the second storage area on the data carrier.
  • a counter can alternatively be used to record the number of uses of the value units.
  • the data exchange device is then corresponding to interpret.
  • a certain amount of money can be paid, which can be deducted from the credit on the card.
  • the amount can be paid in cash or by debiting from an account maintained elsewhere.
  • the entries made on the data carrier can be read out for control purposes using the data exchange device. This can be used to check whether a service or goods were rightly used.
  • the data read out can be displayed or printed out with explanatory text.
  • the data exchange device can also be used to print out a receipt for the use of a service or goods. Furthermore, it can be connected to an EDP system in order to be able to further process the data when using services or goods.
  • a single figure shows a flow diagram for subsidy sales with a data carrier and a data exchange device according to the invention.
  • a check is carried out to determine whether the first memory area has to be reloaded because the time period has been exceeded. The following check is carried out: Is the annual entry on the data carrier valid? The current year and the previous year are valid. Subsidy sales are not possible if the year is invalid Is the monthly entry on the data medium older than the current month? If so, the first memory area must be reloaded and the current month and year must be entered in the second memory area. If the month entered has not yet been reached, ie the current month is older than the entered month, subsidy sales are only possible when the month entered is reached Is the bit for the current date still loaded?
  • the counter is loaded with the number of the predetermined maximum number and the bit is cleared.
  • the value entered on the card is first checked here. If the value is greater than zero, the counter is updated with this Number loaded. If the number entered on the card is 0, the maximum value determined in the booking device is used.
  • the subsidy sale can be carried out: When the customer has selected a product, the counter on the data carrier is checked whether it is greater than 0. If this is the case, it is reduced by 1 and a subsidy sale is carried out. A free sale can be carried out or the predetermined value can be credited so that it can be bought for. This makes it possible to limit the value of the subsidy so that more expensive goods can only be purchased if sufficient credit is available on the data carrier. The amount exceeding the defined value is then debited from the credit. If there is no longer a unit of value (counter equals zero), the full amount is debited from the credit.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Information Retrieval, Db Structures And Fs Structures Therefor (AREA)
EP93111887A 1992-09-07 1993-07-24 Porteur de données mobile et dispositif d'échange de données Expired - Lifetime EP0586852B1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE4229863A DE4229863A1 (de) 1992-09-07 1992-09-07 Mobiler Datenträger und Datenaustauschvorrichtung dafür
DE4229863 1992-09-07

Publications (3)

Publication Number Publication Date
EP0586852A2 true EP0586852A2 (fr) 1994-03-16
EP0586852A3 EP0586852A3 (en) 1996-01-10
EP0586852B1 EP0586852B1 (fr) 2000-03-29

Family

ID=6467403

Family Applications (1)

Application Number Title Priority Date Filing Date
EP93111887A Expired - Lifetime EP0586852B1 (fr) 1992-09-07 1993-07-24 Porteur de données mobile et dispositif d'échange de données

Country Status (4)

Country Link
US (1) US5401945A (fr)
EP (1) EP0586852B1 (fr)
DE (2) DE4229863A1 (fr)
ES (1) ES2145754T3 (fr)

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE19522029A1 (de) * 1995-06-17 1996-12-19 Uestra Hannoversche Verkehrsbe Vorrichtung zum Lesen und/oder Schreiben von Speicherkarten
DE19528297A1 (de) * 1995-08-02 1997-02-06 Bayer Ag Einheit aus Datenspeicherkarte und Schreib-/Lese-Gerät
US6885994B1 (en) * 1995-12-26 2005-04-26 Catalina Marketing International, Inc. System and method for providing shopping aids and incentives to customers through a computer network
DE19729319A1 (de) * 1997-07-09 1999-01-14 Lewke Klaus Dieter Dipl Inform Verwaltung abrufbarer Einheiten mittels elektronischer Börsen
US6078928A (en) * 1997-12-12 2000-06-20 Missouri Botanical Garden Site-specific interest profiling system
GB9925227D0 (en) 1999-10-25 1999-12-22 Internet Limited Data storage retrieval and access system

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3610889A (en) * 1966-06-16 1971-10-05 Telecredit Identification card control system
US3935933A (en) * 1973-07-05 1976-02-03 Omron Tateisi Electronics Co., Ltd. Automatic article vending machine
CH604290A5 (en) * 1976-10-06 1978-09-15 Landis & Gyr Ag Construction of fraud-proof credit card
FR2589268A1 (fr) * 1985-10-28 1987-04-30 Toshiba Kk Dispositif electronique portatif sous forme d'une carte
EP0423035A1 (fr) * 1989-10-13 1991-04-17 Gemplus Card International Système de paiement ou de transfert d'informations par carte à mémoire électronique porte-monnaie

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
ATE65632T1 (de) * 1985-07-08 1991-08-15 Siemens Ag Verfahren zum kontrollieren eines speicherzugriffs auf einer chipkarte und anordnung zur durchfuehrung des verfahrens.
US4757186A (en) * 1985-11-19 1988-07-12 Siemens Aktiengesellschaft Method which allows continued use of a credit card which is expired in time or value units
US4746786A (en) * 1985-11-19 1988-05-24 Siemens Aktiengesellschaft Method and apparatus for evaluating units stored on credit cards
FR2615304B1 (fr) * 1987-05-14 1992-11-27 Innovation Sa Ste Internale Systeme de comptabilisation du temps, notamment pour la comptabilisation de durees de stationnement payant

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3610889A (en) * 1966-06-16 1971-10-05 Telecredit Identification card control system
US3935933A (en) * 1973-07-05 1976-02-03 Omron Tateisi Electronics Co., Ltd. Automatic article vending machine
CH604290A5 (en) * 1976-10-06 1978-09-15 Landis & Gyr Ag Construction of fraud-proof credit card
FR2589268A1 (fr) * 1985-10-28 1987-04-30 Toshiba Kk Dispositif electronique portatif sous forme d'une carte
EP0423035A1 (fr) * 1989-10-13 1991-04-17 Gemplus Card International Système de paiement ou de transfert d'informations par carte à mémoire électronique porte-monnaie

Also Published As

Publication number Publication date
EP0586852B1 (fr) 2000-03-29
DE4229863A1 (de) 1994-03-10
DE59309993D1 (de) 2000-05-04
ES2145754T3 (es) 2000-07-16
US5401945A (en) 1995-03-28
EP0586852A3 (en) 1996-01-10

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